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HDFC Credit Card
Get the best credit cards from HDFC Bank through BankBazaar
HDFC Credit Cards Overview:
The Housing Development Finance Corporation (HDFC) was established in 1994. It is the fifth largest bank in India by assets and is the largest private sector bank in the country. Since 1995, a single minded focus on providing product quality and service excellence has earned HDFC the reputation of being a “World-Class Indian Bank”. HDFC has consistently earned awards like JP Morgan Quality Recognition Award and AIMA Managing India Awards which stands as a testimony to HDFC’s top notch banking services. The bank offers a diverse array of unique financial and banking solutions that caters to the needs of individuals, SME’s and corporates. HDFC offers services in areas like personal banking, wealth management and trade services.
When it comes to credit cards, HDFC cards provide extreme convenience, unmatched privileges and special discounts. Carefully designed to suit individual lifestyles, HDFC credit cards will definitely delight your wallet.
Why Choose HDFC Credit Cards:
HDFC Credit cards comes with a plethora of customer-centric advantages that will fetch you rewards and discounts.
- Travel Benefits: With the co-branded airline cards, you stand to earn JPMiles on every purchase which will fetch you amazing discounts on air tickets.
- Lifestyle Benefits: With reward points that come with every spend that you make, you can buy special merchandise and avail deals at the merchant partner stores.
- Other Unique Benefits: Unique privileges ranging from exclusive credit card for women to easy EMI options for costly spends, make HDFC cards one of its kind in the market.
Features and Benefits of HDFC Credit Cards:
HDFC provides a wide array of credit cards to match everyone’s taste and expenses. HDFC cards are internationally accepted and recognized at millions of merchant establishments across the world. Unique benefits like EMI option, reward schemes, loan on credit cards and online services make HDFC cards the best of its kind.
Why Apply for HDFC Credit Cards through BankBazaar?
BankBazaar offers you the option to explore all credit cards in detail. Given the vast number of credit cards in the market, BankBazaar will help you zero in the best credit card which matches your needs and lifestyle requirements. Also, you will be able to compare cards and their features which will make your selection process easy. What more, you will be able to apply for a credit card by simply clicking on “Apply” button right from the comfort of your home.
How to Apply for a HDFC Credit Card through BankBazaar?
In BankBazaar’s homepage, select “Credit Cards” from the top pane. You will have the option to select credit cards based on the bank or based on the card. To apply for HDFC Cards, select “By Bank” and choose HDFC Bank. You will be able to view and explore different HDFC cards and also check your eligibility for a selected card. You can apply for a card directly by clicking on the “Apply” button and filling in your personal details.
Eligibility Criteria: - To apply for any HDFC card, you should be at least 21 years old and not older than 65.
- Your annual income must be at least 2 lakh if you are salaried.
- If you are self-employed, your earnings per year must be at least 1.5 lakh.
Documentation Requirements: - You must have at least 2 photo and signature bearing national identity cards.
- Proof of address for which documents like ration card and electricity bill can be submitted.
- PAN card, Form 16 and the Income Tax Returns Statement might be asked for.
HDFC Bank credit card details:
- Super Premium Credit Cards:
- Infinia:
Driven by inimitability and spoilt by elegance, Infinia, like the name suggests, has no limit on how much you spend.
Benefits & Features:
- Infinia Card comes with no prearranged limit on cash spending or withdrawal.
- You earn 5 points for every INR.150 you spend.
- You automatically get free Priority Pass and Taj Epicure Inner Circle Gold Membership.
- Reserve air tickets, film tickets, and hotel rooms via HDFCBankInfinia.com and make double the points.
- Free international travel insurance.
- HDFC Regalia card:
With this super premium credit card enjoy travel and luxury benefits along with privileges such as complimentary passes, gold memberships, etc.
Benefits & Features:
- The minute the regalia card is issued, you will receive extra cash points of 2500 as a welcome gifts.
- You earn four points every time you spend INR. 150.
- Free Priority Pass as well as Taj Epicure Inner Circle Gold Membership.
- You can get the best deals available on flight fares, hotel reservations, and film tickets on the HDFC Travel & Entertainment Portal.
- Click on www.hdfcbankregalia.com and get 8 points with every INR. 150 spent here.
- Diners Club Black:
The HDFC Diners Club Black Card is an exclusive, international lifestyle benefit card that offers amazing deals and discounts on shopping.
- Enjoy special entry to the choicest Golf Clubs in India as a Green Fee player.
- You can earn travel coupons worth INR. 750 for every 1000 points accrued.
- Points can be redeemed as cash for air tickets, hotel booking at the HDFC entertainment website, hdfcbankdinersclub.com.
- Co-Brand Cards:
- JetPrivilege HDFC Bank World:
The JetPrivilege HDFC Bank World Card is a top airline co-branded credit card that offers you the exclusive travel perks.
Benefits & Features:
- You get a welcome gift of up to 10,000 additional JPMiles and one way base ticket charges rebated when you use Jet Airways.
- Get six JPMiles whenever you spend INR. 150 and 18 JPMiles on every air ticket reserved from the official Jet Airways or JetKonnect website.
- Committed check-in with 10 kg extra baggage permissions.
- Platinum Times Card:
The Platinum Times Card is an entertainment credit card that offers you great discounts when you go to restaurants or movies.
Benefits & Features:
- 25 percent off on film tickets.
- 20 percent off when dining.
- Get discount coupons at the time of card issuance.
- Earn three points for every INR. 150 spent.
- Earn 10 points when you dine out during weekends.
- Titanium Times Card:
Another entertainment credit card which will let you enjoy movies and delicacies at unbelievable prices is the Titanium Times Card.
Benefits & Features:
- Low interest and easy EMIs.
- 25 percent off on film tickets and theatre tickets.
- 15 percent off when you dine out at partnered restaurants.
- 2 points earned when you spend INR. 150.
- Earn 5 bonus points when you dine out during weekends.
- JetPrivilege Platinum:
The JetPrivilege HDFC Bank Platinum world-class airline co-branded credit card with JPMiles benefits and privileges is mainly aimed at a global traveler.
Benefits & Features:
- Welcome gift of 4000 extra JPMiles.
- One way base charges rebated if you book a Jet Airways ticket.
- Get five JPMiles whenever you spend INR. 150.
- Earn 15 JPMiles on every air ticket reserved from official websites of Jet Airways or JetKonnect.
- Get five percent off on base charge for air tickets reserved from Jet Airways or JetKonnect.
- Professional credit cards:
- Doctor's Superia:
The Doctor’s Superia is a premium credit card that offers exclusive travel privileges to doctors. It comes with an elaborate and convenient lounge program.
Features and Benefits:
- This credit card comes with a welcome benefit of 1000 reward points.
- On every Rs.10 spent the cardholder is entitled to get 3 reward points.
- Upon using the card for dining expenses, the cardholder can receive 50% more reward points.
- Free Priority Pass Membership
- With expenses of over 5 lakh used on your credit card, you can earn an air voucher worth Rs.8000.
- With benefits of airport lounge access and fuel transactions, you can save approximately Rs. 8,300.
- Lounge access at domestic and international airports.
- A spend of Rs. 15,000 in the first 90 days of card issue, gets the first year annual fee reversed.
- With Rs. 1, 00,000 spend in a year prior to renewal date get the renewal fee reversed.
- Teacher's Platinum:
Teacher’s Platinum Credit Card offered by HDFC Bank is a credit card that is custom-made for teachers. It offers the added advantage of fuel benefits across any fuel station.
Features and Benefits:
- With every Rs.150 spend get 2 reward points.
- When you shop on weekends get 3 times more reward points and earn 2,400 reward points or more annually on weekend shopping.
- On Teacher’s Day get 500 bonus reward points.
- With every spend of Rs.250 at the fuel station, get a Fuel Surcharge Waiver and get an opportunity to save Rs.1,500 annually on fuel transactions.
- Zero lost card liability.
- Premium Travel credit cards:
- Superia:
Superia Credit Card is a premium travel credit card that helps to redeem reward points as air miles and offers other travel privileges.
Features and Benefits:
- On card issue, the cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
- With every Rs. 150 spend, get 3 reward points.
- Upon using the card for dining expenses, the cardholder can receive 50% more reward points.
- Free Priority Pass Membership.
- With expenses of over 5 lakh used on your credit card, you can earn an air voucher worth Rs.8000 and additional rewards.
- With benefits of airport lounge access and fuel transactions, you can save approximately Rs. 8,300.
- With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
- With Rs. 75,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.
- AllMiles:
AllMiles Credit Card is a premium card that offers two times more reward points in the exclusive AllMiles website.
Features and Benefits:
- With card issue, the cardholder is entitled to receive 1000 Reward Points as a welcome benefit.
- With every Rs. 150 spend, get 3 reward points.
- Free Priority Pass Membership.
- With every Rs.500 spent at the fuel station, get a Fuel Surcharge Waiver.
- With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
- With Rs. 1, 00,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.
- Premium Women Credit Cards:
- Solitaire:
Solitaire is a unique, one of a kind card offered by HDFC Bank exclusively for women. Spends on the card are rewarded with Shoppers Stop gift vouchers.
Features and Benefits:
- With every Rs. 75,000/- spend every 6 months, the cardholder can avail Rs. 1,000 worth of Shoppers Stop vouchers.
- Upon using the card for dining expenses and grocery spends, the cardholder can receive 50% more reward points.
- With every Rs. 150 spend, get 3 reward points.
- The card offers the option of redeeming reward points as cashback. With every 100 reward points get Rs. 40 cashback.
- Get Shoppers Stop vouchers of Rs. 2,000 annually.
- Opportunity to earn Rs. 4,000 as Cashback on reward points accumulated by spending Rs. 5 lakh on the card.
- With benefits on fuel transactions, cardholders get to save Rs. 1,500 annually.
- Zero Lost Card Liability.
- Premium Credit Cards:
- World MasterCard:
World MasterCard is a credit card that offers attractive benefits and waivers of fuel surcharge at all fuel stations across India and also privileged access to premium airport lounges.
Features and Benefits:
- With every Rs. 150 spend, get 2 reward points.
- For spends above Rs. 75,000 in a statement cycle, get 50% additional reward points.
- With every Rs.250 spent at a fuel station, get a Fuel Surcharge Waiver.
- Benefits of MasterCard lounge program is included, which offers the cardholder complimentary airport lounge access.
- You can have up to 3 add-on credit cards.
- With spend of Rs. 15,000 in the first 90 days of card issue, get first year annual fee reversed.
- With Rs. 75,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.
- With benefits of airport lounge access and fuel transactions, you can save approximately Rs. 8,300.
- Diners Club Premium
Diners Club Premium Credit Card is one of the best lifestyle cards that is offered by HDFC Bank. It comes with special offers and unlimited domestic lounge access.
Features and Benefits:
- With every Rs. 150 spend, get 4 reward points.
- Get unlimited golf lessons for free.
- For every 1000 reward points earned, get Rs.600 worth of e-vouchers that can be redeemed for Airline Tickets, Hotels and Movies, etc.
- Diners Club Rewardz:
HDFC Bank offers Diners Club Rewardz Credit Card to its customers who wishes to gain maximum travel rewards and other travel benefits.
Features and Benefits:
- With every Rs. 150 spend, get 3 reward points.
- Special Concierge services exclusive to Diners Club Rewardz credit cardholders that help to make reservations, booking hotel rooms, sending gifts, etc.
- Get 2 times more reward points on the HDFC travel and entertainment portal.
- Visa Signature Card:
WithVisa Signature Card offered by HDFC Bank, get waiver of fuel surcharge at all fuel stations across India and also privileged access to premium airport lounges.
Features and Benefits:
- With every Rs. 150 spend, get 2 reward points.
- With every Rs.250 spent at the fuel station, get a Fuel Surcharge Waiver.
- For incremental spends above Rs. 75,000 in a statement cycle get 50% more reward points.
- With every Rs.250 spent at the fuel station, get a Fuel Surcharge Waiver.
- You can apply for up to 3 add-on credit cards.
- With spend of Rs. 15,000 in the first 90 days of card issue, get the first year annual fee reversed.
- With Rs. 75,000 spend on the credit card in a year prior to renewal date get the renewal fee reversed.
- With benefits of airport lounge access and fuel transactions, you can save approximately Rs. 8,300.
- Regular Credit Card:
- Platinum Plus:
Platinum Plus Credit Card offered by HDFC Bank offers the advantage of fuel benefits across any fuel station in India.
Features and Benefits:
- With every Rs. 150 spend, get 2 reward points.
- For incremental spends above Rs. 50,000 in a statement cycle get 50% more reward points.
- With every Rs.250 spent at the fuel station, get a Fuel Surcharge Waiver.
- Get the opportunity to save more than Rs. 1,500 annually on fuel transactions.
- Get 1,200 reward points in a year.
- Zero lost card liability.
- Avail revolving credit facility at nominal interest rates.
- Cashback Credit Cards:
- Platinum Edge Credit Card:
HDFC Platinum Edge credit card offers cashback on various everyday expenses.
Features and Benefits:
- For every Rs.150 spent through your card, earn 2 reward points.
- Enjoy 50% additional reward points for expenses made on dining out.
- Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (GST as applicable).
- The chip on the card ensures that every transaction made is safe and secure
- Enjoy revolving credit facility at a nominal interest rate.
- Titanium Edge Credit Card:
Enjoy cashback on your day to day expenses, with HDFC Titanium Edge credit card.
Features and Benefits:
- For every Rs.150 spent through your card, earn 2 reward points.
- Enjoy 50% additional reward points for expenses made on dining.
- Reward points can be redeemed as cashback against the outstanding bill amount.
- Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (sales tax applicable).
- On reporting the loss of your credit card immediately, you enjoy zero liability on any fraudulent transactions made through your card.
- MoneyBack Credit Card:
HDFC MoneyBack credit card offers cashback and benefits on various travel and retail expenses.
Features and Benefits:
- For every Rs.150 spent through your card, earn 2 reward points.
- Earn 3X reward points on online transactions.
- Enjoy fuel surcharge waivers. This is capped at Rs. 250 in every billing cycle (sales tax applicable).
- The chip on the card ensures that every transaction made is safe and secure.
- Enjoy revolving credit facility at a nominal interest rate.
- Commercial Credit Cards:
- Business Platinum Credit Card:
Enjoy Cashback on retail expenses you make, with the HDFC Business Platinum Credit Card.
Features and Benefits:
- HDFC Business Platinum Credit Card is accepted worldwide.
- On a minimum statement balance of Rs. 50,000, enjoy 1% cashback on your retail expenses. This is not applicable on fuel spends.
- Get flat 1% cashback on your international expenses of Rs. 10,000 or above (in a single statement cycle).
- Enjoy fuel surcharge waivers. This is capped at Rs. 500 in every billing cycle (GST as applicable).
- Enjoy exclusive airport lounge access at various airports across India.
- Corporate Platinum Credit Card:
With a HDFC Corporate Platinum Credit Card, enjoy privileged access to airport lounges across selected domestic airports.
Features and Benefits:
- Get up to 50 interest free days on your card.
- For every Rs.150 spent through your card, earn 2 reward points.
- Availability of 24X7 online Monthly Instalment Scheme (MIS).
- Enjoy fuel surcharge waivers at all petrol pumps for transactions between Rs. 400 to Rs. 5000.
- Enjoy accident insurance coverage on air, road and railway travel (conditions apply).
- Corporate World MasterCard:
HDFC Corporate World MasterCard offers its customer’s privileged access to premium airport lounges across the world.
Features and Benefits:
- Availability of 24X7 online Monthly Instalment Scheme (MIS).
- Enjoy accident insurance coverage on air, road and railway travel subject to conditions applicable.
- Enjoy fuel surcharge waivers at all petrol pumps for transactions between Rs. 400 to Rs. 5000.
- Get up to 50 interest free days on your card.
- Get access to premium airport lounges at selected airports.
- Corporate Card:
HDFC Corporate Credit Card offers multiple travel and entertainment benefits to its customers.
Features and Benefits:
- HDFC Business Gold Credit Card
HDFC has discontinued Business Gold Credit Card and the Business Gold cardholders will be offered an automatic upgradation to Business Platinum Chip Credit Card. The new HDFC Business Platinum Chip Credit Card comes with an array of advantages that will take your business to a whole new level and also offers enhanced security with the chip technology.
- HDFC Corporate Visa Signature Credit Card
Access the finest airport lounges in the world, amp up your business with MIS systems, minimize paperwork and do much more for your business with HDFC Corporate Visa Signature Credit Card.
Features and Benefits of HDFC Corporate Visa Signature Credit Card
- Availability of 24/7 online MIS system will help you evaluate, organize and manage business spends.
- Cardholders can also access 60 MIS reports that will give better insights into expense and spending. Reports like cost allocation summary & details, merchant details, expense reports, spending analysis for each category and detailed transaction information at employee level will help you in making informed decisions.
- Every Rs.150 spent using the HDFC Corporate Visa Signature Credit Card will fetch you up to 2 reward points. Other benefits include 50 days of interest free credit period, fuel surcharge waiver and complimentary membership to priority pass.
- The credit card account can be integrated with existing account systems for easy management. Also, this will help you simplify consolidation of expenses and minimize paperwork.
- Get better deals with airlines and hotel chains from around the world and save substantially on business expenses.
FAQ’s for HDFC Bank Credit Cards
- What are the different categories of credit cards offered by HDFC Bank?
Super Premium Credit Cards
Infinia
Regalia
Diners Club Black
| Premium Women's Credit Cards
Solitaire |
Co-Brand Credit Cards
Platinum Times Card
Titanium Times Card | Premium Credit Cards
Visa Signature
World MasterCard
Diners Club Premium
Diners Club Rewardz |
Professional Credit Cards
Doctor's Superia
Teacher's Platinum | Regular Credit Cards
Platinum Plus |
Premium Travel Credit Cards
Superia
AllMiles | Commercial Credit Cards
Business Regalia
Business Platinum
Business Gold
Corporate Platinum
Corporate Visa Signature
Corporate World MasterCard
Corporate Card
Purchase Card
Distributor Card |
CashBack Cards
Platinum Edge
Titanium Edge
MoneyBack | |
- At a glance, what features do HDFC Bank credit cards offer to a customer?
- Welcome benefits
- Rewards Points - Redemption across multiple airlines
- Attractive offers on movies and dining
- Spend based Annual and Renewal fee reversals
- Fuel Surcharge waivers
- Priority passes
- Comprehensive Insurance coverage
- Can I apply for a HDFC credit card online? What benefits can I get?
Yes, you can apply for a HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.
- What are the documents required to complete my HDFC credit card application online?
- Applicant's address details
- PAN card
- Scanned copy of your ID proof and address proof
- How do I register for Credit Card Net Banking with HDFC?
As an existing HDFC Bank account holder, you can register for Credit Card Net Banking services by following the below given steps.
- Customers need to login into NetBanking with their customer ID and internet password.
- Inside the Net Banking account, click on the credit card tab.
- Add your new card, by selecting the ‘Register New Card’ feature.
- Enter your card credentials like credit card number, credit card ATM PIN, expiry date and click on ‘Submit’.
- What are the features available under HDFC Credit Card Net Banking?
After logging into a HDFC NetBanking account, customers can view the following:
- Cash and credit limits pertaining to the registered credit card
- Billed/Unbilled transactions
- Payment due date
- Reward points earned on a credit card
- Credit Card Statements (up to 6 months)
- How can I pay my HDFC credit card bills?
Customers can use any of the following modes of payments:
- HDFC Bank Netbanking
- Non-HDFC Bank Netbanking
- HDFC Bank Mobile Application
- Auto pay
- ATM Funds Transfer
- What is the advantage of paying my HDFC credit card bill using internet banking?
Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.
- Can I take a loan using the HDFC Bank credit card I currently hold?
Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.
- What does the SmartEMI scheme offer to a customer?
The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.
- I am looking to transfer my existing credit card balance to a HDFC credit card. Is that possible?
Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.
- My HDFC credit card application is in process. Can I track the status online?
Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.
- Are HDFC Bank credit card statements available online?
Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.
- Can I earn reward points and JPMiles for expenses done using my HDFC Bank credit card?
‘MyRewards’ from HDFC Bank is a unique reward points program presenting easy redemption options with a wide range of coupons and discounts to choose from. Customers can earn JPMiles from their Jet Airways/HDFC Bank co-branded credit cards.
- Does HDFC Bank offer the option of converting accrued rewards points into Air-miles or Airline E-Vouchers?
Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be got from a customer’s credit card statement.
Why you should get a Credit Card today.
Scared that a Credit Card will make you a spendthrift? LOL!
Let’s talk about the benefits.
Break It Up, Boy (or Girl)
Why borrow big when you can just swipe big and then break it up into smaller affordable EMIs?
Return Gift
Spend using your Credit Card and get returns in the form of Cashback, offers and rewards.
Up Your Credit Score
Use your Credit Card wisely and you shall be awarded a good Credit Score. Don’t you want that?
Spending Tracker
Contrary to popular belief, a Credit Card can help you curb wasteful spending. Just study your card statement.
Credit Card = benefits galore.
Things That Matter When Applying For A Credit Card
Plastic money is a boon for many reasons. However, using Credit Cards responsibly is very important. We’ll tell you about the things that matter when you apply for a Credit Card.
Your Income>
This is the first thing that the card issuer will ask you. The more your income, the higher credit limit you will be eligible for.
Past Credit History>
You’ve had a Credit Card before? You didn’t pay the bills on time? If this is true, the banks might have put you on the defaulters list. Maintain a good credit history.
Why Do You Need A Credit Card?>
Shopping, dining, travel, the list is endless. Choose a Credit Card that matches your lifestyle.
Age Matters
Your age also matters when you apply for a Credit Card. The credit limit may be lower for a person above 55 years. If you are between 18 -35 years, you can get a higher credit limit on your card.
Applying for a Credit Card is simple. We have a whole lot of amazing offers for you. Check them out now!
*Terms and conditions apply. Credit at the sole discretion of the bank.
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Rs.750 Amazon voucher free
Paperless approval option available
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